What it costs to own a home in Palm Coast

Owning a single-family home at the median sale price in Palm Coast ($366,999) costs about $2,571 a month with 20% down at 6.8%: $1,914 for the mortgage, $474 property tax and $183 insurance. Homes in an HOA or CDD add about $119 a month for an HOA (34% of house listings report one) and about $192 for a CDD (22%).

Sellers in Palm Coast report a median tax bill of about 0.91% of the price. That number is low for a buyer: Florida's Save Our Homes cap holds down a long-time owner's assessment, and it resets after a sale. We budget 1.55% of the price for a new owner until the county's estimator says otherwise.

42% of recent listings report an HOA or condo association fee, median $1,980 a year. For single-family listings it's 34%, median $1,428 a year. Of listings that say whether a CDD applies, 22% have one, median $2,302 a year on the tax bill. A blank fee on a listing usually means no association but isn't confirmed, so these are shares of listings that report a fee, not of all homes. Fees vary a lot by community, so check the community pages below before you compare homes.

Homes that sold recently spent a median 59 days on the market and sold for 95% of their original asking price. There are 1,122 homes for sale right now.

Stellar MLS via Repliers listings and sales in Palm Coast, 2026-01 to 2026-10, one data point per address (2,122 homes, 695 of them closed sales by closing date). Prices are closed sales only; asking prices are shown separately. This covers housing costs, not utilities, upkeep or the rest of a household budget. The mortgage, tax and insurance math uses the same assumptions as every monthly estimate on this site: 20% down, 6.8% rate, 30-year loan, tax 1.55% and insurance 0.6% of the price a year. Insurance in particular varies by age, roof and flood zone, so get quotes on any home you're serious about.